Heading overseas this winter? Here’s our top travel tactics

Craving some winter sun? Feeling the pull of the piste? Either way, a holiday at this time of year can shine some welcome light into the seasonal gloom.

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It's probably the case that travel money and insurance aren’t your priorities – especially if planning your trip is mixed in with all the hullaballoo associated with sorting out Christmas.

But you need to get them sorted, so start here…

Pre-book currency

If you put off getting your holiday money until the last minute, you’ll pay more for the same.

So pre-order your currency and either have it delivered to your house, pick it up at the bank or even the airport. Either way, you can do it online and not have to spend too much time or effort running around to get it.

Certainly do everything you can to avoid buying currency at the airport – your exchange rate is likely to be atrocious.

You can compare and apply for your travel cash here.

Pre-pay spending

Cash is sweet but it’s not especially safe. If you misplace it or it’s stolen, there’s not a lot you can do to recover it. Credit cards and pre-paid cards are a safer alternative in this regard.

Pre-paid plastic cards work in the same way as pay-as-you-go mobile phones. You pre-load an amount of money up-front and use the card until there’s nothing left. There’s no credit facility, so you can’t go into debt.

These cards often come with all kinds of fees when you spend, top-up and withdraw cash, so you need to choose carefully. You can see what’s on offer here.

Pre-empt credit card charges

Normal credit cards are a good option too, so long as they’re suitable for overseas use. That means cards which don’t charge fees for overseas purchases and cash withdrawals – cards such the Halifax Clarity credit card.

It’s important that you think about arranging insurance policies as soon as your trip is booked

Bob Atkinson, travel expert at MoneySuperMarket  said: “It’s easy to get caught up in the excitement of going on holiday, and as a result financial details can fall by the wayside.

“There are various options to choose from, such as foreign cash, pre-paid cards, or credit cards. Withdrawing currency in advance or using a pre-paid card is a good way to keep tabs on your spending, while debit or credit cards designed for overseas use are the safest and cheapest options as you have the benefit of using a PIN-protected card.”

You can compare and apply for overseas credit cards here.

Get proper cover!

The other major item on your to-do travel list should be insurance.

 

Hopefully you’ll never have to use it, but if the worst happens and you don’t have cover – your holiday could be ruined and then you could come home to massive bills.

And it’s one thing to buy cover, but another to actually make sure it’s the right sort. This is especially true if you’re off on a winter sports holiday, because a cheap policy might not cover you for skiing and other sports. Naomi Caine has everything you need to know here.

It’s important that you arrange travel insurance as soon as your trip is booked. This means you will be protected if unavoidable circumstances force you to cancel your trip.

And a final word from our expert, Bob Atkinson: 

“When choosing cover, make sure you take time to ensure the policy offers adequate cover levels – not only for cancellation, but for medical expenses and baggage which, if going on a ski holiday, can run into hundreds of pounds.

“If you are travelling to an EU destination this winter make sure you and each member of your family has a European Health Insurance Card (EHIC). This gives access to state healthcare on the same terms as a local in the unfortunate case that you need treatment. But it’s not an alternative to travel insurance so make sure you have a policy in place as well.”

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

Hopefully you’ll never have to use it, but if the worst happens and you don’t have cover – your holiday could be ruined and then you could come home to massive bills.

And it’s one thing to buy cover, but another to actually make sure it’s the right sort. This is especially true if you’re off on a winter sports holiday, because a cheap policy might not cover you for skiing and other sports. Naomi Caine has everything you need to know here.

It’s important that you arrange travel insurance as soon as your trip is booked. This means you will be protected if unavoidable circumstances force you to cancel your trip.

And a final word from our expert, Bob Atkinson: 

“When choosing cover, make sure you take time to ensure the policy offers adequate cover levels – not only for cancellation, but for medical expenses and baggage which, if going on a ski holiday, can run into hundreds of pounds.

“If you are travelling to an EU destination this winter make sure you and each member of your family has a European Health Insurance Card (EHIC). This gives access to state healthcare on the same terms as a local in the unfortunate case that you need treatment. But it’s not an alternative to travel insurance so make sure you have a policy in place as well.”

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

Hopefully you’ll never have to use it, but if the worst happens and you don’t have cover – your holiday could be ruined and then you could come home to massive bills.

And it’s one thing to buy cover, but another to actually make sure it’s the right sort. This is especially true if you’re off on a winter sports holiday, because a cheap policy might not cover you for skiing and other sports. Naomi Caine has everything you need to know here.

It’s important that you arrange travel insurance as soon as your trip is booked. This means you will be protected if unavoidable circumstances force you to cancel your trip.

And a final word from our expert, Bob Atkinson: 

“When choosing cover, make sure you take time to ensure the policy offers adequate cover levels – not only for cancellation, but for medical expenses and baggage which, if going on a ski holiday, can run into hundreds of pounds.

“If you are travelling to an EU destination this winter make sure you and each member of your family has a European Health Insurance Card (EHIC). This gives access to state healthcare on the same terms as a local in the unfortunate case that you need treatment. But it’s not an alternative to travel insurance so make sure you have a policy in place as well.”

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

Hopefully you’ll never have to use it, but if the worst happens and you don’t have cover – your holiday could be ruined and then you could come home to massive bills.

And it’s one thing to buy cover, but another to actually make sure it’s the right sort. This is especially true if you’re off on a winter sports holiday, because a cheap policy might not cover you for skiing and other sports. Naomi Caine has everything you need to know here.

It’s important that you arrange travel insurance as soon as your trip is booked. This means you will be protected if unavoidable circumstances force you to cancel your trip.

And a final word from our expert, Bob Atkinson: 

“When choosing cover, make sure you take time to ensure the policy offers adequate cover levels – not only for cancellation, but for medical expenses and baggage which, if going on a ski holiday, can run into hundreds of pounds.

“If you are travelling to an EU destination this winter make sure you and each member of your family has a European Health Insurance Card (EHIC). This gives access to state healthcare on the same terms as a local in the unfortunate case that you need treatment. But it’s not an alternative to travel insurance so make sure you have a policy in place as well.”

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

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